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Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 88
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Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 88
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Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 0
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Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Flood insurance
Languages : en
Pages : 90
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Book Description
Author: United States
Publisher:
ISBN:
Category : Community development
Languages : en
Pages : 136
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Book Description
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Insurance
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 144
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Book Description
Author: U. s. Department of Homeland Security
Publisher: Createspace Independent Pub
ISBN: 9781482062526
Category : Social Science
Languages : en
Pages : 274
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Book Description
The National Flood Insurance Program (NFIP) is a federal program that allows property owners to purchase insurance protection against losses from flooding. This insurance is designed to provide an alternative to costly, taxpayer-funded disaster assistance. Congress established the NFIP with the passage of the National Flood Insurance Act of 1968 that provides the NFIP authority and guidelines. All changes since 1968 have been made as amendments to this act. The Federal Emergency Management Agency (FEMA) administers the NFIP. Participation in the NFIP is based on an agreement between local participating communities and the federal government. The community agrees to implement and enforce floodplain measures (ordinances and laws) to reduce future flood damage to new construction in Special Flood Hazard Areas; the federal government will make flood insurance available within the community as financial protection against future flood losses. In 1981, FEMA initiated efforts to once again involve the private-sector insurance industry in the NFIP. A cooperative effort between FEMA and insurance company representatives led to the creation of the Write Your Own (WYO) Program in July 1983. The WYO Companies issue and service federally backed Standard Flood Insurance Policies under their own names, collect premiums, and handle and pay claims. FEMA pays the WYO Companies a fee for these services. In August 1983, FEMA extended an invitation to all licensed property and casualty companies to participate in the WYO Program for fiscal year 1984. The NFIP now has two programs—the NFIP Direct Program and the WYO Program. 1) NFIP Direct Program The program that deals with the issuing and servicing of flood insurance policies, and the handling of resultant claims, directly by the federal government is known as the NFIP Direct Program. The NFIP Servicing Agent assists and advises agents and adjusters who handle Direct Program policies. The NFIP Servicing Agent also manages the Group Flood Insurance Policy Program and the policies for buildings that are identified as Severe Repetitive Loss Properties. 2) WYO Program The WYO Program now accounts for approximately 90 percent of all flood policies. The NFIP Bureau and Statistical Agent assist and advise the WYO Companies. However, this does not diminish the authority of the WYO Company or relieve the company of its obligations. The WYO Company still collects the premium, issues the policy, and provides adjustment and payment for claims. In addition to providing flood insurance for property, the NFIP is actively engaged in the evaluation of existing and potential flood hazards and their long-term reduction. Accordingly, various zones of flooding probability and severity have been established. Flood Insurance Rate Maps (FIRMs) are produced to show the projected elevation to which flooding is likely to occur in a Special Flood Hazard Area (SFHA). Community officials are responsible for issuing building permits and must keep the FIRM and make the information available. In some instances, the local agent may have the maps available.
Author:
Publisher: FEMA
ISBN:
Category :
Languages : en
Pages : 78
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Book Description
Author: National Research Council
Publisher: National Academies Press
ISBN: 0309185491
Category : Science
Languages : en
Pages : 182
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Book Description
Alluvial fans are gently sloping, fan-shaped landforms common at the base of mountain ranges in arid and semiarid regions such as the American West. Floods on alluvial fans, although characterized by relatively shallow depths, strike with little if any warning, can travel at extremely high velocities, and can carry a tremendous amount of sediment and debris. Such flooding presents unique problems to federal and state planners in terms of quantifying flood hazards, predicting the magnitude at which those hazards can be expected at a particular location, and devising reliable mitigation strategies. Alluvial Fan Flooding attempts to improve our capability to determine whether areas are subject to alluvial fan flooding and provides a practical perspective on how to make such a determination. The book presents criteria for determining whether an area is subject to flooding and provides examples of applying the definition and criteria to real situations in Arizona, California, New Mexico, Utah, and elsewhere. The volume also contains recommendations for the Federal Emergency Management Agency, which is primarily responsible for floodplain mapping, and for state and local decisionmakers involved in flood hazard reduction.
Author:
Publisher: FEMA
ISBN:
Category : Flood insurance
Languages : en
Pages : 143
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Book Description
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Flood insurance
Languages : en
Pages : 52
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Book Description
